MEMBERS1st Community Credit Union is committed to providing you with financial products and services to meet your needs and help you reach your financial goals. We are required by law to give you this privacy notice. If after reading this notice you have any questions, contact us in Ames at 1-800-262-3812 or 1-800-245-6199 in Marshalltown.

       What follows is a description of the information we collect and disclose, including the parties who receive nonpublic information from us as we conduct the business of the credit union. This notice also explains your right to inform us if you do not want us to disclose certain information about you to other parties.

       INFORMATION WE COLLECT ABOUT YOU
We collect information about you from the following sources:

• Information we receive about you on applications and other forms;
• Information about your transactions with us or others;
• Information we receive from a credit reporting agency;
• Information obtained when verifying the information you provide on an application or other forms. This may be obtained from your current or past employers, or from other institutions where you conduct financial transactions.

• Financial companies, such as insurance companies and mortgage service companies; and
• Non-financial companies, such as consumer reporting agencies and retailers.

       DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS
If you decide to terminate your membership with MEMBERS1st Community Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

       HOW TO STOP OR "OPT OUT" OF CERTAIN DISCLOSURES ABOUT YOU
If you prefer that we do not disclose nonpublic, personal information about you to nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may select one of the following:

• Call us at the credit union: 800-262-3812 or 800-245-6199
• Complete the attached form and mail it as instructed.

       Note that this opt out, by law, will not apply to disclosures that are legally permitted or to disclosures we make to companies that perform services on our behalf or to other financial institutions which we endorse and that have joint marketing agreements with us.

       HOW WE PROTECT YOUR INFORMATION
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

       WHAT MEMBERS CAN DO TO HELP
MEMBERS1st Community Credit Union is committed to protecting the privacy of our members. Members can help by following these simple guidelines:

• Protect your account numbers, card numbers, PINs(personal identification numbers) and passwords. Never keep your PIN with your debit or credit card which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the credit union, and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
• Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to reach you immediately. If your address or phone number changes, please let us know.
• Let us know if you have any questions. Please do not hesitate to call us - we are here to serve you!